Credit report and home mortgage?
I recently was turned down for a home mortgage application secondary to revolving unpaid debt including student loans. As per credit union, my credit score was not as much of a factor in the declined decision, rather, they indicated it was more influenced by established credit, lack there of that is.
I have paid off all outstanding balances owed to creditors. I have also consolidated my student loans. I have begun using my credit card for gas and random purchases and am making on time monthly payments for all listed.
Is there anything I can do to bring up my established credit and score in the next 6 months, prior to reapplying for mortgage?
Any suggestions or input is welcome and appreciated.